Author Archives: ross@planrfp.co.uk

If you’re yearning for an adventure in retirement, this chapter of your life doesn’t have to mean putting your feet up and embracing a slower pace of life. Whether you’re keen to explore new destinations or try your hand at a new activity, there can still be adventures around the corner. While the stereotype of […]

Rental reform under the Renters’ Rights Act came into force on 1 May 2026. For landlords, it represents a significant change, so if you already have a property portfolio or are considering purchasing buy-to-let properties, it’s important to be aware of the reforms. The policy reforms are lengthy and cover a lot of areas, with […]

Do you want to create a legacy by passing on assets to your loved ones? There’s more than one way to do it, and you might want to combine several different options. As part of your estate plan, you might want to consider who you’d like to benefit from your estate and how you will […]

When you think about the benefits of long-term financial planning, the opportunity to work with a professional to increase your assets might be the first thing that comes to mind. While that might form part of some financial plans, the hidden benefits may be even more valuable to you. A financial plan isn’t only focused […]

Retirement is a significant life transition. Some of the financial habits that served you well during your working life might no longer suit your retirement lifestyle. Sticking to your current financial habits could mean you miss out on opportunities to enjoy your retirement, or even mean you risk using up your savings too soon. Read […]

Reaching your long-term goals often requires careful planning and consistent action. A financial plan could help you work towards these goals and, in some cases, investing may play an important role too. In previous blogs, you’ve read about how you might reach short- or medium-term goals. Now, read on to discover some key considerations for […]

Millions of well-intentioned people in the UK are helping their loved ones manage their online financial accounts, but could risk having these accounts frozen because they don’t have a Lasting Power of Attorney (LPA) in place.  Lloyds’s 2024 Consumer Digital Index (3 November 2025) suggests 1 in 5 adults – the equivalent of 11 million […]

Fewer than 1 in 5 UK adults are “adequately” protected from health and financial shocks, according to Cover Magazine (4 March 2026). This means families could be more vulnerable to shocks and face the consequences of being unable to meet financial commitments. A financial or health shock could have long-term implications for your finances. For […]

Inheritance Tax (IHT) is a growing concern for many people in the UK, with increasing numbers of estates facing a rising tax liability. Each year, the amount of IHT paid to HMRC is increasing. By 2030/31, the Office for Budget Responsibility (February 2026) forecasts that IHT receipts will reach £14.5 billion, up from £8.3 billion […]

Building wealth without a financial plan may be like searching for a destination without a map. You might miss the most efficient route, take an unnecessary detour, or miss your intended target altogether. A clear plan could be essential for helping you reach your goals.  If you’re simply accumulating wealth, your assets don’t have a […]